KR20060093360A - System and method for processing exchange, recording medium - Google Patents

Abstract

The present invention relates to a currency exchange processing method and system and a recording medium therefor. The method according to the present invention comprises the steps of providing a currency exchange request information by a client to a server (or a terminal); Performing a predetermined exchange processing task in response to an exchange request of the client in the terminal) and in the server (or the terminal), the client information and / or the client for the predetermined exchange processing history information corresponding to the exchange result. In the exchange processing method comprising the step of linking with the account (or card) of the information stored in a predetermined storage medium, the predetermined exchange amount withdrawal authorization code corresponding to the exchange processing history in the server (or terminal) Extracting and / or generating; Storing the extracted exchange amount withdrawal approval code generated by the server (or terminal) in association with at least one information stored in the storage medium; Extracting wireless terminal number information of the client from the server (or a terminal) further receiving predetermined wireless terminal number information from the client and / or interworking with a database storing predetermined member information; At the time of the exchange request and / or the date of withdrawal of the exchange amount of the client and / or before, extracting the exchange amount withdrawal approval code in conjunction with the storage medium in the server (or terminal), the wireless terminal number information Transmitting an exchange code withdrawal approval code to the wireless terminal; Storing the exchange rate withdrawal authorization code transmitted from the server (or terminal) in a predetermined memory in the wireless terminal; Outputting an exchange rate withdrawal approval code stored in the memory at the wireless terminal and / or providing the exchange rate with a predetermined exchange terminal when the exchange rate withdrawal corresponding to the exchange processing history of the client is withdrawn; It features.

Currency exchange

Description

 Currency exchange method and system and recording medium therefor {System and Method for Processing Exchange, Recording Medium}

1 is a view showing a schematic configuration of a preferred currency exchange processing system according to the present invention.

2 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.

3 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.

4 is an exemplary diagram of a client wireless terminal screen according to a preferred embodiment of the present invention.

5 is a view showing a schematic configuration of an exchange processing system according to another preferred embodiment of the present invention.

6 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.

7 is a simplified block diagram of an information storage medium according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: currency exchange server 105: interface

110: currency exchange unit 115: information transmission unit

120: storage unit 125: incentive providing unit

130: wireless terminal number verification unit 135: member (customer) database

140: client terminal 145: storage medium

150: currency exchange terminal 155: information input unit

160: certification unit 165: currency exchange processing unit

The present invention obtains wireless terminal information of the client (or second client) from the client and / or a predetermined storage medium in performing a predetermined exchange processing task for a client's exchange request. Sending the exchange amount withdrawal approval code corresponding to the processing history information and / or the exchange processing history information, and requesting the withdrawal of the exchange money amount, the currency exchange processing history information and / or the exchange processing history information stored in the wireless terminal The present invention relates to a method and a system for exchanging money to use an amount withdrawal approval code.

In general, when a customer goes out of the country, the exchange is to exchange the won for the currency of the relevant country (eg, dollars, yen, etc.). Or, after performing a currency exchange procedure on the Internet, it was common to print (print) and bring proof data (for example, currency exchange history, etc.), and then visit the branch office to receive a money exchange amount.

Therefore, in the conventional currency exchange service, the customer has to be inconvenient to visit the corresponding point in order to receive the money exchange request and / or money exchange request amount. And, if the exchange window is complicated, the customer had to take more time damages.

In addition, there was an inconvenience of having to carry out the exchange processing history until the exchange of money received, there was also the hassle to reprint if lost, it is time to find a more convenient and simple exchange service from the customer's point of view.

An object of the present invention is derived to solve the above problems, by extracting and / or generating a predetermined exchange rate withdrawal authorization code corresponding to the exchange process of the client, when the exchange request (and / or exchange amount) The money exchange amount to the wireless terminal by using predetermined wireless terminal number information provided from the client (and / or extracted in conjunction with a database storing predetermined member information) at the time of withdrawal and / or before). Transmitting and storing a withdrawal approval code to output the exchange amount withdrawal approval code stored in the wireless terminal, and / or provide it to a predetermined exchange terminal when withdrawing the exchange amount corresponding to the exchange process of the client; And providing a system.

In addition, another object of the present invention, in the exchange process corresponding to the exchange request of the client, further receives predetermined wireless terminal number information from the client, and / or in conjunction with a database for storing the predetermined member information Extracting the client's wireless terminal number information, and interworking with a database storing the member information provided from the client (and / or before withdrawal and / or before the exchange), By using the predetermined wireless terminal number information extracted), by transmitting the information on the exchange processing history to the wireless terminal to store the exchange rate corresponding to the exchange processing history of the client, the wireless terminal stored in the memory Method and system for outputting currency exchange history information and / or to provide to predetermined currency exchange terminal To provide.

In addition, another object of the present invention, in the exchange process corresponding to the exchange request of the client, further receives the wireless terminal number information of the second client to withdraw the exchange amount provided in response to the exchange process from the client And the second client using the provided wireless terminal number information of the second client, the currency exchange history information (and / or a predetermined currency exchange amount withdrawal authorization code corresponding to the currency exchange process). By transferring to the wireless terminal of the storage to save the exchange amount corresponding to the exchange processing history of the second client, the exchange information (and / or exchange amount withdrawal authorization code) stored in the memory at the wireless terminal It is to provide a method and system for outputting and / or provided to a predetermined exchange terminal.

In order to achieve the above object, there is provided a currency exchange processing method according to the present invention, in which a client provides predetermined exchange request information to a server (or terminal), and the server (or terminal) corresponds to a predetermined exchange request of the client. Performing a currency exchange processing operation and performing predetermined currency exchange processing information corresponding to the result of the currency exchange processing in the server (or terminal) in association with the client information and / or account (or card) information of the client. A currency exchange processing method comprising storing on a storage medium, the method comprising: extracting and / or generating a predetermined currency exchange amount withdrawal authorization code corresponding to the currency exchange processing history at the server (or terminal); Storing the extracted exchange amount withdrawal approval code generated by the server (or terminal) in association with at least one information stored in the storage medium; Extracting wireless terminal number information of the client from the server (or a terminal) further receiving predetermined wireless terminal number information from the client and / or interworking with a database storing predetermined member information; At the time of the exchange request and / or the date of withdrawal of the exchange amount of the client and / or before, extracting the exchange amount withdrawal approval code in conjunction with the storage medium in the server (or terminal), the wireless terminal number information Transmitting an exchange code withdrawal approval code to the wireless terminal; Storing the exchange rate withdrawal authorization code transmitted from the server (or terminal) in the wireless terminal in a predetermined memory; Outputting an exchange rate withdrawal approval code stored in the memory at the wireless terminal and / or providing the exchange rate with a predetermined exchange terminal when withdrawing the exchange amount corresponding to the exchange processing history of the client; It is done.

The present invention also provides at least one or more information (e.g., exchange information and / or client information and information) stored in the storage medium with the radio terminal number information provided and / or extracted from the server (or terminal). And / or further storing in association with the account (or card) information of the client.

According to the present invention, the step of the client to provide the predetermined exchange request information to the server (or terminal), the client through the wired or wireless communication network (or network) the exchange request information through the server (or terminal) It may be configured to further include providing.

In addition, according to the present invention, the step of performing a predetermined exchange processing task in response to the exchange request of the client in the server (or terminal), the exchange processing by applying a predetermined exchange exchange rate at the server (or terminal) or And / or providing the client with a predetermined point and / or mileage in response to the exchange process at the server (or terminal).

Further, when the server (or terminal) is further provided with the exchange office information corresponding to the currency exchange request from the client, the present invention is the server (or terminal) currency exchange branch server (or terminal) corresponding to the currency exchange request And transmitting the exchange information, the exchange amount withdrawal approval code information and / or the client information, and / or the client's own account (or card) information and / or the wireless terminal number information.

In addition, according to the present invention, the exchange request information provided by the client to the server (or terminal), the information on the currency type and exchange request amount and the amount of money corresponding to the exchange request and the account (or card) Information, the exchange request client information, selection information of the kind of exchange preferential service to be provided when the exchange request, exchange date information corresponding to the exchange request and / or currency exchange branch information, and currency exchange corresponding to the exchange request It is preferable to include at least one account information of the account to which the transferred amount is transferred, account holder information to which the exchanged amount is transferred, and financial institution information corresponding to the account to which the exchanged amount is transferred.

In addition, the present invention may further include the step of withdrawing the exchange money to the client after authenticating the validity of the exchange money withdrawal authorization code in connection with the server and / or storage medium in the exchange terminal.

Further, according to the present invention, the exchange processing history information according to the exchange processing business for the exchange request of the client, the currency type currency exchange information, the exchange amount information, the client account (or card) information, the exchange Request client information, the wireless terminal number information, exchange exchange service information provided at the time of the exchange request, the exchange date information and / or the exchange office information, and the account information of the account to which the exchanged amount is transferred; Preferably, the exchange information includes the account holder information to which the transfer amount is transferred, the financial institution information corresponding to the account to which the exchange amount is transferred, and the exchange amount withdrawal approval code.

In addition, according to the present invention, the exchange amount withdrawal authorization code extracted and / or generated corresponding to the exchange processing history is made of a number and / or letters, and / or a specific code including a bar code, and It is preferably made of a specific image and / or made of a specific sound.

In addition, the exchange amount withdrawal authorization code may be in the form of a predetermined receipt, and / or credit card number system.

In addition, according to the present invention, when the exchange request and / or before the withdrawal amount and / or before the withdrawal amount of the client, the server (or terminal) in conjunction with the storage medium, extracting the exchange amount withdrawal authorization code Then, the step of transmitting the exchange money withdrawal approval code to the wireless terminal by using the wireless terminal number information, in conjunction with a predetermined wireless message transmission server, the exchange money withdrawal authorization code can be transmitted as a wireless message. .

In addition, according to the present invention, when the withdrawal of the exchange rate corresponding to the exchange processing history of the client, the step of outputting the exchange amount withdrawal authorization code stored in the memory in the wireless terminal, and / or providing to a predetermined exchange terminal The transmitting of the exchange amount withdrawal approval code stored in the memory from the wireless terminal to the exchange terminal may transmit the exchange amount withdrawal approval code to the exchange terminal through a predetermined short-range communication in the wireless terminal.

Preferably, the short-range communication between the wireless terminal and the exchange terminal, Infrared Ray communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth) communication, Wireless LAN (Wireless LAN) communication, Wi-Fi (Wi-Fi) communication, At least one ZigBee communication, UWB communication and the like.

In addition, according to another preferred embodiment, the exchange processing method, the step of providing the client with a predetermined exchange request information to the server (or terminal), the server (or terminal) in response to the exchange request of the client predetermined Performing a currency exchange processing operation of the client; and in the server (or terminal), a predetermined exchange process history information corresponding to the currency exchange result is linked with the client information and / or account (or card) information of the client. A currency exchange processing method comprising the steps of: storing in a predetermined storage medium, wherein the server (or terminal) is further provided with predetermined wireless terminal number information from the client and / or a database storing predetermined member information. Extracting wireless terminal number information of the client in association with; When the exchange request and / or the date and withdrawal of the exchange amount of the client, the server (or terminal) in conjunction with the storage medium, extracting the exchange exchange history information, and then the wireless terminal number information Transmitting the exchange processing history information to the wireless terminal by using; Storing the exchange processing history information transmitted from the server (or terminal) in the wireless terminal in a predetermined memory; Outputting currency exchange history information stored in the memory at the wireless terminal and / or providing a predetermined currency exchange terminal when the currency exchange amount corresponding to the currency exchange process of the client is withdrawn; .

Here, the exchange processing method according to another preferred embodiment, the wireless terminal number information provided and / or extracted from the server (or terminal) in conjunction with at least one or more information stored in the storage medium further processed The method may further include storing.

Further, in the exchange processing method according to another preferred embodiment, the step of providing the client with the server (or terminal) predetermined exchange request information, the client exchanges the currency through a wired or wireless communication network (or network) The application information may be provided to the server (or terminal).

Further, in the exchange processing method according to another preferred embodiment, the step of performing a predetermined exchange processing task in response to the exchange request of the client in the server (or terminal), the predetermined exchange in the server (or terminal) The exchange rate may be applied by applying a preferential rate, and / or the server (or terminal) may provide a predetermined point and / or mileage to the client in response to the exchange process.

Further, in the exchange processing method according to another preferred method, when the server (or terminal) is further provided with the exchange office information corresponding to the exchange request from the client, the server (or terminal) to the exchange request The method may further include transmitting the currency exchange history information, the client information, and / or the client owned account (or card) information and / or the wireless terminal number information to a corresponding currency exchange branch server (or terminal).

In addition, the currency exchange processing method according to another preferred method, in connection with the server and / or storage medium in the currency exchange terminal, after authenticating the validity of the currency exchange history information, and withdraw the money exchange amount to the client It may further comprise a step.

In addition, when the exchange request and / or the date and withdrawal of the exchange rate of the client and / or before, the wireless terminal after extracting the exchange exchange history information in conjunction with the storage medium in the server (or terminal) In the step of transmitting the exchange exchange history information to the wireless terminal by using the number information, the exchange exchange history information may be transmitted as a wireless message in cooperation with a predetermined wireless message transmission server.

Further, when the exchange amount corresponding to the exchange processing history of the client is withdrawn, the wireless terminal outputs the exchange processing history information stored in the memory and / or provides the predetermined exchange terminal with the predetermined exchange terminal. The transfer of the exchange processing history information stored in the memory to the exchange terminal may transmit the exchange processing history information to the exchange terminal through a predetermined short-range communication in the wireless terminal.

In addition, according to another preferred embodiment, the method of processing a currency exchange, the client provides a predetermined exchange request information to the server (or terminal), the server (or terminal) in response to the exchange request of the client Performing a predetermined exchange processing task and the server (or the terminal) in association with the client information and / or the account (or card) information of the exchange information corresponding to the result of the exchange processing; A currency exchange processing method comprising the step of storing in a predetermined storage medium, wherein the server (or terminal) the wireless terminal number information of the second client to withdraw the exchange amount provided in response to the exchange process from the client; Receiving further; At the exchange request and / or before and / or withdrawal of the money exchange amount of the second client, the server (or terminal) uses the wireless terminal number information of the second client to display the currency exchange history information ( And / or transmitting a predetermined exchange money withdrawal authorization code corresponding to the currency exchange process) to the wireless terminal of the second client. Storing, in a predetermined memory, the exchange processing history information (and / or a currency exchange withdrawal authorization code) transmitted from the server (or terminal) in the wireless terminal of the second client; When withdrawing the exchange amount corresponding to the exchange process of the second client, the wireless terminal outputs the exchange processing history information (and / or the exchange amount withdrawal authorization code) stored in the memory, and / or to a predetermined exchange terminal. Providing; may further comprise a.

Further, in the exchange processing method according to another preferred embodiment, the step of providing the client with the server (or terminal) predetermined exchange request information, the client through the wired or wireless communication network (or network network) Exchange request information may be provided to the server (or terminal).

Further, in the exchange processing method according to another preferred embodiment, the step of performing a predetermined exchange processing task in response to the exchange request of the client in the server (or terminal), the predetermined at the server (or terminal) The exchange rate may be exchanged by applying a preferential exchange rate, and / or the server (or terminal) may provide a predetermined point and / or mileage to the client in response to the exchange process.

In addition, the exchange processing method according to another preferred embodiment, when the server (or terminal) is further provided with the exchange office information corresponding to the exchange request from the client, the exchange request from the server (or terminal) To the exchange branch office server (or terminal) corresponding to the exchange processing history information (and / or exchange amount withdrawal authorization code information) and / or the second client information and / or the second client owning account (or card) information; and And / or transmitting radio terminal number information of the second client.

Here, the exchange request information, the type of currency and the amount of exchange request information, the account (or card) information for withdrawing the amount corresponding to the exchange request, the exchange request client information, and provided at the exchange request Information on the type of exchange preferential service to be received, exchange date information corresponding to the exchange request and / or exchange location information, and account (or card) information of the second client (or an amount exchanged in response to the exchange request) Account information of the account to be transferred), the second client information (or account holder information to which the exchanged amount is transferred), and at least one financial institution information corresponding to the account to which the exchanged amount is transferred. It is preferable.

In addition, the currency exchange processing method according to another preferred embodiment of the present invention, in connection with the server and / or the storage medium in the currency exchange terminal, to authenticate the validity of the currency exchange history information (and / or exchange amount withdrawal authorization code) Thereafter, the method may further include the step of withdrawing the exchange money to the second client.

In addition, the exchange processing method according to another preferred embodiment, the server (or terminal) is further provided with the predetermined wireless terminal number information from the client, and / or in conjunction with a database for storing the predetermined member information Extracting radio terminal number information of the client; And transmitting, at the server (or terminal), the exchange processing history information (and / or a currency exchange withdrawal approval code) to the wireless terminal by using the wireless terminal number information.

The method may further include: outputting an exchange rate withdrawal approval code stored in the memory, and / or providing the exchange rate with a predetermined exchange terminal when the exchange amount corresponding to the exchange processing history of the second client is withdrawn; In the wireless terminal, transmitting the exchange amount withdrawal approval code stored in the memory to the exchange terminal may transmit the exchange amount withdrawal approval code to the exchange terminal through a predetermined short-range communication in the wireless terminal.

Here, the currency exchange processing history information includes currency exchange target currency type information, currency exchange amount information, client account (or card) information, currency exchange client information, currency exchange preferential service type information provided during the currency exchange application, Exchange date information and / or exchange office information, account (or card) information of the second client (or account information of the account to which the money exchanged in response to the exchange request) is transferred, and the second client At least one information (or account holder information to which the exchanged amount is transferred), the second client wireless terminal number information, and financial institution information corresponding to the account to which the exchanged amount is transferred may be included.

On the other hand, the present invention is characterized in that it comprises a recording medium on which a predetermined program for executing at least one of the above-mentioned exchange processing methods is recorded.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

1 is a view showing a schematic configuration of a preferred currency exchange processing system according to the present invention.

Referring to FIG. 1, the illustrated currency exchange processing system includes a client terminal 140 providing predetermined exchange request information to a server (or terminal) 100 and performing a predetermined exchange processing task in response to the exchange request. It may be configured to include a currency exchange server (or terminal) 100.

Preferably, the exchange request information provided from the client terminal 140 to the currency exchange server (or terminal) 100 via a wired or wireless network includes information on the currency type and currency request amount of the currency to be exchanged and the currency request. Account (or card) information for withdrawal of the corresponding amount, the exchange request client information, selection information of the kind of exchange preferential service to be provided when the exchange request, exchange date information corresponding to the exchange request and / or a currency exchange branch Information, account (or card) information of the second client to withdraw the exchange amount provided in correspondence with the exchange process (or account information of the account to which the amount exchanged in response to the exchange request is transferred), and the second Client information (or account holder information to which the exchanged amount is transferred) and financial institution information corresponding to the account to which the exchanged amount is transferred; Least it characterized in that it comprises one or more than one.

In more detail, the currency exchange processing server (or terminal) 100 is further provided with predetermined wireless terminal number information from the client terminal 140, and / or in conjunction with a database for storing predetermined member information. The exchange of money to the wireless terminal 140 using the wireless terminal number verification unit 130 for extracting the wireless terminal number information of the client and the wireless terminal number information confirmed through the wireless terminal number identification unit 130. It may be configured to include an information transmission unit 115 for transmitting the details information (and / or the predetermined currency exchange withdrawal authorization code generated and / or generated corresponding to the exchange processing).

In addition, the currency exchange processing server (or terminal) 100 stores predetermined currency exchange history information corresponding to the currency exchange processing in association with the client information and / or account (or card) information of the client and stores the predetermined currency. The storage unit 120 may further include a storage unit 120 to store in a medium.

In addition, the exchange processing server (or terminal) 100, by referring to the customer information and / or exchange application information (exchange amount of money, etc.) of the client, by applying a predetermined exchange rate of exchange, and / / Alternatively, the electronic device may further include an incentive providing unit 125 that provides a predetermined point and / or mileage to the client in response to the currency exchange process.

In addition, when the information transmission unit 115 of the currency exchange processing server (or terminal) 100 is further provided with currency exchange branch information corresponding to the exchange request from the client terminal 140, it corresponds to the exchange request The exchange branch office server (or terminal) 150 may transmit the exchange processing history information, the client information and / or the client owned account (or card) information and / or the wireless terminal number information.

Referring to FIG. 1, the illustrated wireless terminal 140 stores the exchange processing history information (and / or a currency exchange withdrawal authorization code) transmitted by the exchange processing server (or terminal) 100 in a predetermined memory. When the currency exchange amount corresponding to the currency exchange process is withdrawn, the currency exchange process history information (and / or the exchange amount withdrawal approval code) stored in the memory may be output, and / or provided to a predetermined currency exchange terminal 150. have.

Preferably, the exchange processing history information includes currency exchange currency type information, currency exchange amount information, the client account (or card) information, the currency exchange client information, the wireless terminal number information of the currency exchange client, Exchange exchange preferential service type information provided at the time of the exchange request, information on the date of exchange and / or exchange offices, and account (or card) information of the second client to withdraw the exchange amount provided in response to the exchange process; The account information of the account to which the exchanged amount is transferred in response to the exchange request), the second client information (or account holder information to which the exchanged amount is transferred), the second client radio terminal number information, and the The exchanged amount may be configured to include at least one or more financial institution information corresponding to the account to be transferred.

Here, the wireless terminal 140 may be the wireless terminal 140 of the exchange request client, or the wireless terminal 140 of the second client to withdraw the exchange amount provided in response to the exchange process. Processing history information (and / or exchange money withdrawal authorization code) is preferably transmitted to the exchange terminal 1500 through a predetermined short-range communication.

Currency exchange terminal 150 shown in Figure 1, in conjunction with the exchange processing server (or terminal) 100, the exchange processing history information (and / or exchange amount withdrawal authorization code) transmitted from the wireless terminal 150 After authenticating the validity, the exchange money amount corresponding to the money exchange processing history information (and / or money amount withdrawal authorization code) is withdrawn to the wireless terminal-owning client.

Preferably, the currency exchange terminal 150 is characterized in that it comprises at least one window terminal, an ATM, a CD, a kiosk, and an automated currency exchange device provided at a branch of a financial company.

2 is a simple flowchart of a currency exchange process according to a preferred embodiment of the present invention.

Figure 2 generates and / or extracts a predetermined exchange withdrawal approval code corresponding to the exchange processing history in the exchange process according to the present invention, the client's wireless terminal 140 ), The process of performing a currency exchange withdrawal using the currency exchange withdrawal approval code.

Referring to Figure 2, the exchange request client can be initiated from the process of transmitting the exchange request information according to the present invention, connected to the exchange processing server 100 via a wired or wireless network, using a predetermined terminal 140 ( 200).

The exchange processing server 100 receiving the exchange request information from the client terminal 140 performs a currency exchange operation through the transmitted exchange request information (205), and the exchange process history according to the exchange process Information is stored 210 in a predetermined storage medium 145 in association with the client information and / or account (or card) information.

According to a preferred embodiment, in performing the exchange processing operation in the exchange processing server 100, it is possible to exchange from the account (or card) of the client included in the exchange request information or previously stored in the customer information database 135 or the like. The money exchange operation may be performed through the amount deposited by the client to an account assigned by the withdrawal and / or the exchange processing server 100 (and / or financial server).

In addition, according to a preferred embodiment, the currency exchange processing server 100 generates (and / or extracts) a currency exchange withdrawal authorization code corresponding to the currency exchange processing details to be transmitted to the client wireless terminal 140 (215), The generated (and / or extracted) exchange rate withdrawal authorization code is stored in the storage medium 145 in association with the exchange request information and / or client information and / or client account (or card) information (220).

In addition, the exchange processing server 100 searches for the client wireless terminal information to transmit the generated (and / or extracted) exchange money withdrawal authorization code in association with the customer database 135 or the like (225). If the wireless terminal information of the client does not exist in the customer database 135 (230), the exchange processing server 100 transfers the generated exchange amount withdrawal authorization code to the client terminal 140; By requesting the wireless terminal information to be transmitted (235), it is possible to obtain the wireless terminal information to receive the exchange money withdrawal authorization code from the client terminal 140 (240).

On the other hand, if the wireless terminal information of the client already exists in the customer database 135 (245), the exchange processing server 100 extracts the wireless terminal information of the client from the customer database 135 (250) ), Using the wireless terminal information of the client extracted from the customer database 135 or transmitted from the client terminal 140, the exchange money withdrawal authorization code is transmitted to the client wireless terminal 140 (255). ).

Preferably, the exchange processing server 100 may transmit a predetermined message (for example, a text message) informing the transmission of the exchange money withdrawal authorization code to the client wireless terminal 140, wherein the message It may include a predetermined callback URL for access to the exchange processing server 100 and / or download a currency exchange withdrawal approval code.

Then, the wireless terminal 140 is a memory chip provided in the wireless terminal 140 and / or the IC chip detachable to the wireless terminal 140, the exchange amount withdrawal authorization code transmitted from the exchange processing server 100 May be stored at 260.

In addition, when withdrawing the exchange amount, the wireless terminal 140 provides the exchange rate withdrawal authorization code stored in the memory and / or the IC chip to a predetermined exchange terminal 150, wherein the exchange rate withdrawal authorization code is Predetermined data communication (eg, infrared ray communication, radio frequency (RF) communication, Bluetooth communication, wireless LAN communication, WiFi (Wireless LAN) communication between the wireless terminal 140 and the exchange terminal 150). Wi-Fi), ZigBee communication, UWB communication, etc.) (265).

According to another preferred embodiment, when the exchange amount withdrawal approval code is in the form of a barcode, the exchange terminal 150 scans the exchange amount withdrawal authorization code output to the wireless terminal 140, the currency exchange A debit authorization code may be provided.

As described above, the exchange terminal 150 receiving the exchange rate withdrawal authorization code from the wireless terminal 140, in conjunction with a storage medium that stores the exchange rate withdrawal authorization code and / or the corresponding exchange processing history, The validity of the exchange amount withdrawal approval code provided from the wireless terminal 140 is checked (270).

If the validation of the exchange amount withdrawal authorization code provided from the wireless terminal 140 fails (275), the exchange terminal 150 transmits the exchange amount withdrawal authorization code authentication failure message to the wireless terminal 140 and And / or provide to the client (280).

On the other hand, if the validity of the exchange rate withdrawal authorization code provided from the wireless terminal 140 is authenticated (285), the exchange terminal 150 may provide the client with a currency exchange amount corresponding to the exchange rate withdrawal authorization code. There is (290).

3 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.

FIG. 3 is a currency exchange process corresponding to an exchange request of the client without generating and / or extracting a predetermined currency withdrawal approval code corresponding to the currency exchange process described above in FIG. It provides a process for providing the exchange money exchange history information to the client wireless terminal 140, and withdraw the money exchange amount from the money exchange terminal 150 using the money exchange history information.

Referring to Figure 3, in the illustrated embodiment, the exchange request client is connected to the exchange processing server 100 via a wired or wireless network using a predetermined terminal 140, and transmits the exchange request information according to the present invention ( 300, the exchange processing server 100 having received the exchange request information from the client terminal 140 may be started from a process of performing a currency exchange operation through the exchange request information.

According to a preferred embodiment, in performing the exchange processing operation in the exchange processing server 100, it is possible to exchange from the account (or card) of the client included in the exchange request information or previously stored in the customer information database 135 or the like. The money exchange operation may be performed through the amount deposited by the client to an account assigned by the withdrawal and / or the exchange processing server 100 (and / or financial server).

Here, the exchange processing server 100 stores the exchange processing history information according to the exchange processing operation in a predetermined storage medium 145 in association with the client information and / or account (or card) information (310). .

In addition, the exchange processing server 100 searches for the client wireless terminal information to transmit the exchange processing history information in conjunction with the customer database 135 provided therein (315).

If the wireless terminal information of the client does not exist in the customer database 135 (320), the exchange processing server 100 requests the wireless terminal information to transmit the exchange processing history information to the client terminal 140. In operation 325, wireless terminal information to receive the exchange processing history information may be obtained from the client terminal 140 (330).

On the other hand, if the wireless terminal information of the client is already present in the customer database 135 (335), the exchange server 100 extracts the wireless terminal information of the client from the customer database 135 (340) In step 345, the exchange processing history information is transmitted to the client wireless terminal 140 using the wireless terminal information of the client extracted from the customer database 135 or transmitted from the client terminal 140. .

As described above in FIG. 2, the exchange processing server 100 may transmit a predetermined message (for example, a text message) informing the transmission of the exchange processing history information to the client wireless terminal 140. In this case, the message may include a predetermined callback URL for accessing the exchange processing server and / or downloading exchange processing history information.

In addition, the wireless terminal 140 exchanges the exchange processing history information transmitted from the exchange processing server 100 with a memory provided in the wireless terminal 140 and / or an IC chip detachable to the wireless terminal 140. When the exchange amount is withdrawn (350), by providing the exchange processing history information stored in the memory of the wireless terminal 140 and / or the IC chip to a predetermined exchange terminal 150, the withdrawal of the exchange amount is performed. can do.

In addition, as described above with reference to FIG. 2, the exchange processing history information stored in the memory and / or the IC chip of the wireless terminal 140 is transmitted to the exchange terminal 150 by infrared ray communication, RF (Radio Frequency). It may be transmitted using predetermined data communication including communication, Bluetooth communication, Wireless LAN communication, Wi-Fi communication, ZigBee communication, UWB communication, and so on (355).

In addition, when the exchange processing history information includes a form of a predetermined bar code, the exchange terminal 150 receives the exchange processing history information by scanning the bar code, etc. output to the wireless terminal 140. Can be.

The exchange terminal 150 receiving the exchange processing history information for the exchange request of the client from the wireless terminal 140, in conjunction with the storage medium 145 for storing the exchange processing history, the wireless terminal 140 The validity of the exchange processing history information and / or the client information provided from the third party may be verified 360.

If the validity authentication for the exchange processing history information provided from the wireless terminal 140 fails (365), the exchange terminal 150 transmits the exchange processing history information authentication failure message to the wireless terminal 140 and / or Can be provided to the client (370).

However, if the validity of the exchange processing history information provided from the wireless terminal 140 is authenticated (375), the exchange terminal may provide the client with a currency exchange amount corresponding to the exchange processing history information (380).

4 is a diagram illustrating a screen of a client wireless terminal 140 according to a preferred embodiment of the present invention.

In the drawing, in the course of the exchange process according to the preferred embodiment of the present invention, the exchange amount withdrawal authorization code corresponding to the exchange processing and / or exchange processing history processed in the exchange processing server 100 via the wireless network It is a simple screen example output to the client wireless terminal 140.

According to a preferred embodiment of the present invention, the client wireless terminal 140 receiving the exchange money withdrawal approval code corresponding to the exchange processing history is the client wireless terminal 140 applying for the exchange processing or the following Figure 6 It may be noted that the client described through the above may be a second client radio terminal designated or selected.

Referring to FIG. 4, the exchange rate withdrawal approval code corresponding to the exchange processing history from the exchange processing server 100 may be provided to the client wireless terminal 140 through a predetermined message.

For example, when a currency exchange process is performed and a currency exchange process history and / or a currency exchange withdrawal approval code corresponding thereto is generated, the currency exchange server 100 sends a predetermined message (eg, a text message) to the client wireless terminal 140. Etc.), and the client wireless terminal 140 accesses the exchange processing server 100 and / or the storage medium 145 (server) through the callback URL included in the message, and the like. You can download the authorization code for withdrawal of the exchange money corresponding to the transaction details.

In addition, as shown, the exchange amount withdrawal approval code corresponding to the exchange processing history, may be made in the form of a specific code including a bar code, but not limited to, consisting of numbers and / or letters, and / Or a specific image and / or a specific sound.

In addition, the exchange processing history and / or the exchange amount withdrawal approval code corresponding thereto downloaded and stored in the wireless terminal 140 may be output on the screen of the wireless terminal 140, and the above-described infrared ray Through the short-range data communication including communication, RF (Radio Frequency) communication, Bluetooth (BlueTooth) communication, Wireless LAN communication, Wi-Fi communication, ZigBee communication, UWB communication, the exchange terminal ( 150).

In addition, as shown, when the currency exchange processing history and / or money exchange withdrawal approval code corresponding thereto is output in the form of a two-dimensional barcode on the screen of the wireless terminal 140, it is provided in the currency exchange terminal 150 Through any reader capable of reading, the barcode can be read.

5 is a diagram showing a schematic configuration of an exchange processing system according to another preferred embodiment of the present invention.

According to another preferred method of the present invention, the currency exchange processing system shown in FIG. 5 may be exchanged and / or generated (or extracted) in response to a currency exchange request of a client (eg, a currency exchange client). A currency exchange amount withdrawal code is provided to the second client wireless terminal 140 designated (or selected) by the client, and the exchange rate withdrawal code generated and / or correspondingly exchanged is exchanged. Through the provided second client wireless terminal 140, the money exchange amount is withdrawn.

In addition, each component on the currency exchange processing system shown in this figure may be configured in the same manner as the components of the currency exchange processing system described in FIG. 1, but the details of the exchange processing to the second client wireless terminal 140 And / or it may be configured to further comprise an additional function for the transfer of the exchange amount withdrawal code generated (or extracted) correspondingly.

Preferably, the illustrated currency exchange processing system includes a client terminal 140 for providing predetermined exchange request information to a server (or terminal) 100 and a currency exchange processing server for performing a predetermined exchange processing task in response to the exchange request. (Or terminal) 100 may be configured to include.

Referring to FIG. 5, the exchange processing server (or terminal) 100 further receives predetermined wireless terminal number information from the client terminal 140 and / or stores a database 135 that stores predetermined member information. ) And the wireless terminal 140 using the wireless terminal number identification unit 130 to extract the wireless terminal number information of the client and the wireless terminal number information confirmed by the wireless terminal number identification unit 130. It may be configured to include an information transmission unit 115 for transmitting the exchange exchange history information (and / or a predetermined exchange amount withdrawal authorization code generated and / or generated corresponding to the exchange processing).

In addition, the illustrated wireless terminal 140, the currency exchange processing information (and / or exchange amount withdrawal authorization code) transmitted by the exchange processing server 100 (or terminal) provided in correspondence to the exchange process It is characterized in that the transfer to the wireless terminal 140 of the second client to withdraw the amount.

Here, the wireless terminal 140 of the second client stores the exchange processing history information (and / or a currency exchange withdrawal authorization code) transmitted by the client wireless terminal 140 in the predetermined memory, and performs the exchange processing. When the currency exchange amount corresponding to the details is withdrawn, currency exchange process history information (and / or currency exchange withdrawal authorization code) stored in the memory may be output and / or provided to a predetermined currency exchange terminal 150, and Through the short-range communication of the exchange processing history information (and / or money exchange withdrawal authorization code) may be transmitted to the exchange terminal 150.

In addition, the exchange terminal 150, in conjunction with the exchange processing server 100 (or terminal), exchange processing history information (and / or exchange amount of money) transmitted (provided) from the second client wireless terminal 140 After verifying the validity of the withdrawal approval code), it is characterized in that the second client withdraws the exchange amount.

The currency exchange processing history information includes currency exchange currency type information, currency exchange amount information, client account (or card) information, currency exchange client information, wireless terminal number information of the currency exchange client, Exchange exchange preferential service type information provided at the time of exchange application, the exchange date information and / or exchange office information, and the account (or card) information of the second client to withdraw the exchange amount provided in response to the exchange process (or the The account information of the account to which the exchanged amount is transferred in response to the exchange request), the second client information (or the account holder information to which the exchanged amount is transferred), the second client radio terminal number information, and the exchange It is preferable that at least one financial institution information corresponding to the transferred account is included.

6 is a simple flowchart of a currency exchange process according to another preferred embodiment of the present invention.

Figure 6 is a currency exchange processing process according to the present invention, through the exchange processing system described above in Figure 5, the exchange processing history information (and / or exchange amount withdrawal authorization code) processed in response to the exchange request of the client Providing to the second client wireless terminal 140 designated (or selected) by the client, and the second client withdraws the exchange amount from the exchange terminal 150 using the provided exchange information. It is about.

Referring to FIG. 6, in the illustrated embodiment, a client (eg, a currency exchange client) accesses a currency exchange server 100 through a wired or wireless network, transmits currency exchange request information (600), and the client terminal 140. Through the exchange request information transmitted from, it may be started from the process of performing a predetermined exchange processing operation (605).

According to a preferred embodiment, in performing the exchange processing operation in the exchange processing server 100, it is possible to exchange from the account (or card) of the client included in the exchange request information or previously stored in the customer information database 135 or the like. The money exchange operation may be performed through the amount deposited by the client to an account assigned by the withdrawal and / or the exchange processing server 100 (and / or financial server).

When the exchange processing operation is performed, the exchange processing server 100 links the exchange processing history information (and / or the exchange amount withdrawal authorization code) according to the exchange processing with the client information and / or account (or card) information. In operation 610, the storage medium 145 is stored.

Here, when the exchange request client wants to receive the exchange processing history information (and / or exchange money withdrawal authorization code) to his wireless terminal 140 (615), the above-mentioned A or FIG. The invention can be practiced according to the procedure of B.

However, according to the present embodiment, if the exchange request client wants to transmit the exchange processing history information (and / or exchange amount withdrawal authorization code) to the wireless terminal 140 of the second client (620), the exchange processing server In operation 100, the client terminal 140 requests the second client information and / or the wireless terminal information to withdraw the exchange processing amount from the client terminal 140 to extract the exchange processing amount from the client terminal 140. 2 client information and / or wireless terminal information may be received (630).

Then, the exchange processing server 100 stores the second client information and / or wireless terminal information in association with the exchange processing history information (and / or a currency exchange withdrawal authorization code) (635), and the second client. Using the wireless terminal information, the exchange processing history information (and / or exchange amount withdrawal authorization code) is transmitted to the second client wireless terminal 140 (640).

In addition, the second client wireless terminal 140 is provided with the memory and / or provided with the exchange processing history information (and / or exchange amount withdrawal authorization code) transmitted from the exchange processing server 100; By storing in the IC chip (645), according to the present invention, the second client uses the exchange processing history information (and / or exchange amount withdrawal authorization code) provided to the wireless terminal 140, the currency exchange processing history information It is possible to withdraw the exchange amount corresponding to the (and / or the exchange amount withdrawal authorization code).

Referring to FIG. 6, when the second client wants to withdraw the exchange amount, the exchange processing history information (and / or the exchange amount withdrawal authorization code) stored in the memory (or IC chip) of the wireless terminal 140 may be used. Provided to the exchange terminal 150 (650).

Here, as described above, the transfer of the exchange processing history information (and / or the exchange amount withdrawal authorization code) stored in the memory (or IC chip) of the wireless terminal 140, preferably uses predetermined short-range data communication. .

For example, short-range data communication between the wireless terminal 140 and the currency exchange terminal 150 may include infrared ray communication, radio frequency (RF) communication, Bluetooth (BlueTooth) communication, wireless LAN communication, and Wi-Fi (WiFi). Wi-Fi) communication, ZigBee communication, UWB communication and the like.

When the exchange processing history information (and / or the exchange amount withdrawal authorization code) is transmitted from the second client wireless terminal 140, the exchange terminal 150 is interworked with the storage medium 145 and the wireless terminal 140 Check the exchange information (and / or exchange amount withdrawal authorization code) provided from the (655), and performs the authentication of the provided exchange processing history (and / or exchange amount withdrawal authorization code).

Here, if the authentication of the exchange processing history information (and / or exchange amount withdrawal authorization code) provided from the wireless terminal 140 fails (660), the exchange terminal 150 is the exchange processing history (and / or exchange) A withdrawal authorization code) authentication failure message may be provided to the second client radio terminal 140 and / or the client (665).

On the other hand, if the authentication of the exchange processing history information (and / or exchange amount withdrawal authorization code) provided from the wireless terminal 140 is successful, the exchange terminal 150 to the second client to the wireless terminal 140 In operation 670, the exchange amount corresponding to the exchange processing history information (and / or the exchange amount withdrawal approval code) provided from the present invention is provided.

7 is a schematic diagram of an information storage medium 145 according to a preferred embodiment of the present invention.

The illustrated storage medium 145 stores at least one or more pieces of information required to perform a currency exchange process according to the present invention, and is preferably provided on the currency exchange system of FIGS. 1 and 5 described above.

In particular, the storage medium 145 is provided in the exchange processing server 100 on the exchange processing system shown in FIGS. 1 and 5, and / or a predetermined network connecting each component on the exchange processing system. It may be provided on, and / or provided on the exchange terminal 150.

According to the present invention, as shown, the storage medium 100, the exchange request information and / or the exchange of money exchanged (or provided) from the client terminal 140 to the exchange processing server 100 when the exchange request The exchange information may be included in the exchange information based on the application information.

Here, the exchange request information stored in the storage medium 145 may include information on the currency type and currency request amount, and / or account (or card) information for withdrawing the amount corresponding to the exchange request, and / or Corresponding to the exchange request client information, and / or selection information of a kind of exchange preferential service to be provided when the exchange request, and / or exchange date information corresponding to the exchange request and / or exchange office information, and / or the exchange process Account (or card) information of the second client to withdraw the exchange amount provided (or the account information of the account to which the exchanged amount is transferred in response to the exchange request), and / or the second client information (or the Account holder information to which the exchanged amount is transferred), and / or at least one financial institution information corresponding to the account to which the exchanged amount is transferred. The.

Further, the exchange processing history information that can be stored in the storage medium 145 may include currency exchange currency type information, currency exchange amount information, and / or client account (or card) information, currency exchange client information, and And / or the wireless terminal number information of the exchange request client, and / or the exchange preferential service type information provided in the exchange request, and / or the exchange date information and / or the exchange office information, and / or the exchange process Account (or card) information of the second client to withdraw the exchange money provided (or account information of the account to which the money exchanged in response to the exchange request is transferred), and / or the second client information (or the exchanged money) Account holder information to which an amount is transferred), and / or the second client radio terminal number information, and / or a financial instrument corresponding to an account to which the exchanged amount is transferred The information can comprise at least one.

According to the present invention, when the customer exchanges the currency, by providing the details of the exchange request processing to the wireless terminal of the customer, when the customer withdraws the exchange amount, the exchange request processing details (or receipts), etc. that were previously required to be easily carried and The advantage is that it can be provided.

In addition, when the customer applies for exchange of money, the customer can withdraw the exchange money to other customers, there is an advantage that the gift of the exchange money can be carried out more conveniently.

In addition, operators (for example, financial institutions, etc.) can provide customers with more money exchange services by providing a simpler and faster currency exchange service, thereby taking advantage of the growing market for money exchange services. have.

Claims (57)

Providing, by the client, the exchange request information to the server (or the terminal); Performing a currency exchange processing task at the server (or terminal) in response to an exchange request of the client; And Storing, by the server (or the terminal), predetermined exchange processing history information corresponding to the exchange processing result in association with the client information and / or account (or card) information of the client, and storing the exchange information on the predetermined storage medium; In a currency exchange processing method comprising Extracting and / or generating a predetermined exchange amount withdrawal approval code corresponding to the exchange exchange history in the server (or terminal); Storing the extracted exchange amount withdrawal approval code generated by the server (or terminal) in association with at least one information stored in the storage medium; Extracting wireless terminal number information of the client from the server (or a terminal) further receiving predetermined wireless terminal number information from the client and / or interworking with a database storing predetermined member information; At the time of the exchange request and / or the date of withdrawal of the exchange amount of the client and / or before, extracting the exchange amount withdrawal approval code in conjunction with the storage medium in the server (or terminal), the wireless terminal number information Transmitting an exchange code withdrawal approval code to the wireless terminal; Storing the exchange rate withdrawal authorization code transmitted from the server (or terminal) in a predetermined memory in the wireless terminal; And Outputting an exchange rate withdrawal approval code stored in the memory at the wireless terminal and / or providing the exchange rate with a predetermined exchange terminal when withdrawing the exchange amount corresponding to the exchange processing history of the client; Currency exchange processing method. The method of claim 1, And further storing the wireless terminal number information provided and / or extracted by the server (or terminal) in association with at least one information stored in the storage medium. Way. The method of claim 1, wherein the client provides predetermined exchange request information to a server (or terminal). And the client provides the exchange request information to the server (or terminal) via a wired or wireless communication network (or a network). The method of claim 1, wherein the server (or terminal) performs a predetermined exchange processing task in response to an exchange request of the client. Exchange processing by applying a predetermined exchange rate in the server (or terminal), and / or And a predetermined point and / or mileage to the client in response to the exchange process at the server (or terminal). The method of claim 1, If the server (or terminal) is further provided with the exchange office information corresponding to the exchange request from the client, From the server (or terminal) to the exchange branch office server (or terminal) corresponding to the exchange request, the exchange processing history information and the exchange amount withdrawal authorization code information and / or client information and / or the client owned account (or card) Currency exchange request method further comprises the step of transmitting information and / or the wireless terminal number information. The method of claim 1, wherein the exchange request information, Information on the currency type and exchange request amount, the account (or card) information for withdrawing the amount corresponding to the exchange request, the exchange request client information, and selection of the type of exchange preferential service to be provided at the exchange request; Exchange date information and / or currency exchange branch information corresponding to the exchange request, account information of an account to which the amount of money exchanged corresponding to the exchange request is transferred, account holder information to which the exchanged amount is transferred, and A method of requesting a currency exchange comprising at least one financial institution information corresponding to an account with which the exchanged amount is transferred. The method of claim 1, Further comprising the step of activating the exchange rate withdrawal authorization code and withdrawing the exchange rate to the client after interworking with the server and / or storage medium in the exchange terminal. . The method of claim 1, wherein the currency exchange history information, Currency exchange type information, currency exchange amount information, the client account (or card) information, the currency exchange client information, the wireless terminal number information, the exchange exchange service type information provided during the currency exchange application, and Corresponding to exchange date information and / or exchange office information, account information of an account to which the exchanged amount is transferred, account holder information to which the exchanged amount is transferred, and an account to which the exchanged amount is transferred Currency exchange processing method characterized in that it comprises at least one or more financial institution information and the exchange rate withdrawal authorization code. According to claim 1, The exchange amount withdrawal approval code, Consisting of numbers and / or letters, and / or Consist of a specific code including a barcode, and / or Made of specific images, and / or Currency exchange method characterized in that made of a specific sound. The method according to claim 1, wherein the exchange rate withdrawal authorization code is extracted from the server (or the terminal) in conjunction with the storage medium at the time of the exchange request and / or before the withdrawal of the exchange amount of the client Using the wireless terminal number information, transmitting the exchange amount withdrawal authorization code to the wireless terminal, In exchange with a predetermined wireless message transmission server, the currency exchange withdrawal authorization code is characterized in that for transmitting a wireless message. The method of claim 1, further comprising: outputting an exchange rate withdrawal approval code stored in the memory at the wireless terminal and / or providing the exchange rate with a predetermined exchange terminal when withdrawing the exchange amount corresponding to the exchange processing history of the client; , In the wireless terminal, transmitting the exchange amount withdrawal approval code stored in the memory to the exchange front end, And converting the exchange amount withdrawal approval code to the exchange terminal through a predetermined short-range communication in the wireless terminal. The method of claim 1 or 11, wherein the exchange terminal, A currency exchange processing method comprising at least one of a teller terminal, an ATM, a CD, a kiosk, and an automated currency exchange device provided at a financial company branch. A recording medium comprising a program for executing the method of any one of claims 1 to 11. Providing, by the client, the exchange request information to the server (or the terminal); Performing a currency exchange processing task at the server (or terminal) in response to an exchange request of the client; And Storing, by the server (or the terminal), predetermined exchange processing history information corresponding to the exchange processing result in association with the client information and / or account (or card) information of the client, and storing the exchange information on the predetermined storage medium; In a currency exchange processing method comprising Extracting wireless terminal number information of the client from the server (or a terminal) further receiving predetermined wireless terminal number information from the client and / or interworking with a database storing predetermined member information; When the exchange request and / or the date and withdrawal of the exchange amount of the client, the server (or terminal) in conjunction with the storage medium, extracting the exchange exchange history information, and then the wireless terminal number information Transmitting the exchange processing history information to the wireless terminal by using; Storing the exchange processing history information transmitted from the server (or terminal) in the wireless terminal in a predetermined memory; Outputting currency exchange history information stored in the memory at the wireless terminal and / or providing a predetermined currency exchange terminal when the currency exchange amount corresponding to the currency exchange process of the client is withdrawn; Currency exchange processing method. The method of claim 14, And further storing the wireless terminal number information provided and / or extracted by the server (or terminal) in association with at least one information stored in the storage medium. Way. 15. The method of claim 14, wherein the step of providing the client with the server (or the terminal) the exchange request information, And the client provides the exchange request information to the server (or terminal) via a wired or wireless communication network (or a network). 15. The method of claim 14, wherein the server (or terminal) performs a predetermined exchange processing task in response to the exchange request of the client, Exchange processing by applying a predetermined exchange rate in the server (or terminal), and / or And a predetermined point and / or mileage to the client in response to the exchange process at the server (or terminal). The method of claim 14, If the server (or terminal) is further provided with the exchange office information corresponding to the exchange request from the client, The exchange processing history information, the client information and / or the client owned account (or card) information and / or the wireless terminal number information from the server (or terminal) to a currency exchange branch server (or terminal) corresponding to the exchange request. Currency exchange method characterized in that it further comprises the step of transmitting. The method of claim 14, wherein the exchange request information, Information on the currency type and exchange request amount, the account (or card) information for withdrawing the amount corresponding to the exchange request, the exchange request client information, and selection of the type of exchange preferential service to be provided at the exchange request; Exchange date information and / or currency exchange branch information corresponding to the exchange request, account information of an account to which the amount of money exchanged corresponding to the exchange request is transferred, account holder information to which the exchanged amount is transferred, and A method of requesting a currency exchange comprising at least one financial institution information corresponding to an account with which the exchanged amount is transferred. The method of claim 14, And exchanging money exchange money to the client after authenticating the validity of the currency exchange history information by interworking with the server and / or the storage medium in the currency exchange terminal. 15. The method according to claim 14, wherein after the exchange request and / or before withdrawal and / or withdrawal of the money exchange amount of the client, the exchange information is extracted from the server (or terminal) in conjunction with the storage medium. By using the wireless terminal number information, the step of transmitting the exchange processing history information to the wireless terminal, The exchange processing method characterized in that the transfer of the exchange processing history information in a wireless message in conjunction with a predetermined wireless message transmission server. 15. The method of claim 14, wherein when the exchange amount corresponding to the exchange processing history of the client is fetched, the wireless terminal outputs the exchange processing history information stored in the memory and / or provides it to a predetermined exchange terminal. In the wireless terminal, the exchange processing history information stored in the memory is transmitted to the exchange terminal, And the currency exchange processing history information is transmitted from the wireless terminal to the currency exchange terminal through a predetermined short-range communication. The method according to any one of claims 14 to 22, wherein the currency exchange history information, Currency exchange type information, currency exchange amount information, the client account (or card) information, the currency exchange client information, the wireless terminal number information, the exchange exchange service type information provided during the currency exchange application, and Corresponding to exchange date information and / or exchange office information, account information of an account to which the exchanged amount is transferred, account holder information to which the exchanged amount is transferred, and an account to which the exchanged amount is transferred Currency exchange processing method characterized in that it comprises at least one or more financial institution information and the exchange rate withdrawal authorization code. 23. The method of claim 14 or 22, wherein the exchange terminal, A currency exchange processing method comprising at least one of a teller terminal, an ATM, a CD, a kiosk, and an automated currency exchange device provided at a financial company branch. 23. A recording medium, comprising recording a program for executing the method of any one of claims 14 to 22. Providing, by the client, the exchange request information to the server (or the terminal); Performing a currency exchange processing task at the server (or terminal) in response to an exchange request of the client; And Storing, by the server (or the terminal), predetermined exchange processing history information corresponding to the exchange processing result in association with the client information and / or account (or card) information of the client, and storing the exchange information on the predetermined storage medium; In a currency exchange processing method comprising Receiving, by the server (or terminal), the wireless terminal number information of the second client to withdraw the exchange amount provided in response to the exchange process from the client; At the exchange request and / or before withdrawal and / or withdrawal of the exchange amount of the second client, the server (or terminal) uses the wireless terminal number information of the second client to exchange the transaction information (and And / or a predetermined currency exchange amount withdrawal authorization code corresponding to the exchange process, is transmitted to the wireless terminal of the second client. Storing, in a predetermined memory, the exchange processing history information (and / or a currency exchange withdrawal authorization code) transmitted from the server (or terminal) in the wireless terminal of the second client; When withdrawing the exchange amount corresponding to the exchange process of the second client, the wireless terminal outputs the exchange processing history information (and / or the exchange amount withdrawal authorization code) stored in the memory, and / or to a predetermined exchange terminal. Currency exchange processing method characterized in that it further comprises; providing. The method of claim 26, wherein the client provides the currency exchange information to the server (or terminal), And the client provides the exchange request information to the server (or terminal) via a wired or wireless communication network (or a network). 27. The method of claim 26, wherein the server (or terminal) performs a predetermined exchange processing task in response to the exchange request of the client, Exchange processing by applying a predetermined exchange rate in the server (or terminal), and / or And a predetermined point and / or mileage to the client in response to the exchange process at the server (or terminal). The method of claim 26, If the server (or terminal) is further provided with the exchange office information corresponding to the exchange request from the client, The exchange processing history information (and / or exchange amount withdrawal authorization code information) and / or the second client information and / or the first to the exchange branch office server (or terminal) corresponding to the exchange request from the server (or terminal). And transmitting the client's own account (or card) information and / or the wireless terminal number information of the second client. The method of claim 26, wherein the exchange request information, Information on the currency type and exchange request amount, the account (or card) information for withdrawing the amount corresponding to the exchange request, the exchange request client information, and selection of the type of exchange preferential service to be provided at the exchange request; Exchange date information and / or currency exchange branch information corresponding to the exchange request, account (or card) information of the second client (or account information of an account to which the amount of money exchanged corresponding to the exchange request) is transferred; And at least one of the second client information (or account holder information to which the exchanged amount is transferred) and financial institution information corresponding to the account to which the exchanged amount is transferred. The method of claim 26, Interoperating with the server and / or the storage medium in the exchange terminal to verify the validity of the exchange processing history information (and / or the exchange amount withdrawal authorization code), and then withdraw the exchange amount to the second client. Currency exchange processing method characterized in that it further comprises. The method of claim 26, Extracting wireless terminal number information of the client from the server (or a terminal) further receiving predetermined wireless terminal number information from the client and / or interworking with a database storing predetermined member information; And The server (or terminal) using the radio terminal number information, and transmitting the exchange processing history information (and / or exchange amount withdrawal authorization code) to the wireless terminal; further comprising a currency exchange Treatment method. 27. The method of claim 26, further comprising: outputting an exchange rate withdrawal approval code stored in the memory at the wireless terminal and / or providing the exchange unit with a predetermined exchange terminal when withdrawing the exchange amount corresponding to the exchange processing history of the second client; To In the wireless terminal, transmitting the exchange amount withdrawal approval code stored in the memory to the exchange terminal, And converting the exchange amount withdrawal approval code to the exchange terminal through a predetermined short-range communication in the wireless terminal. The method according to any one of claims 26 to 33, wherein the currency exchange history information, Currency exchange currency type information, currency exchange amount information, the client account (or card) information, the currency exchange client information, currency exchange preferential service type information provided at the currency exchange request, the currency exchange date information and / or currency exchange The branch office information, the account information (or card) of the second client (or account information of the account to which the money exchanged in response to the exchange request) is transferred, and the second client information (or the money exchanged) is transferred. Account holder information), the second client wireless terminal number information, and at least one financial institution information corresponding to the account to which the exchanged amount is transferred. 34. The method according to any one of claims 26 to 33, wherein the exchange amount withdrawal approval code, Consisting of numbers and / or letters, and / or Consist of a specific code including a barcode, and / or Made of specific images, and / or Currency exchange method characterized in that made of a specific sound. The method of claim 26 or 33, wherein the exchange terminal, A currency exchange processing method comprising at least one of a teller terminal, an ATM, a CD, a kiosk, and an automated currency exchange device provided at a financial company branch. 34. A recording medium comprising a program for executing the method of any one of claims 26 to 33. A client terminal providing predetermined exchange request information to a server (or terminal); And In the currency exchange processing system, characterized in that it comprises a currency exchange processing server (or terminal) that performs a predetermined currency exchange processing in response to the exchange request, The currency exchange server (or terminal), A wireless terminal number confirming unit for receiving predetermined wireless terminal number information from the client terminal and / or extracting wireless terminal number information of the client in association with a database storing predetermined member information; By using the wireless terminal number information confirmed through the wireless terminal number confirming unit, the currency exchange processing history information (and / or the predetermined exchange money withdrawal authorization code corresponding to the currency exchange processing) Characterized in that it further comprises; information transmission unit for transmitting; The wireless terminal, The exchange processing history information (and / or the exchange amount withdrawal authorization code) transmitted by the exchange processing server (or the terminal) is stored in a predetermined memory, and when the exchange amount corresponding to the exchange processing history is withdrawn, stored in the memory. A currency exchange processing system characterized in that for outputting the exchange information (and / or exchange amount withdrawal authorization code), and / or provided to a predetermined exchange terminal. The method of claim 38, wherein the client terminal, Currency exchange processing system comprising a wired terminal and / or a wireless terminal. The method of claim 38, wherein the radio terminal number information, And the wireless terminal number information of the exchange request client and / or the wireless terminal number information of the second client to withdraw the exchange amount provided in correspondence with the exchange process. The method of claim 38, wherein the exchange server (or terminal), And exchange the predetermined exchange processing history information corresponding to the exchange processing with the client information and / or the account (or card) information of the client and store the information on the predetermined storage medium. The method of claim 38, wherein the exchange server (or terminal), Currency exchange processing by applying a predetermined exchange rate; and / or And a predetermined point and / or mileage to the client in response to the currency exchange process. The method of claim 38, wherein the exchange server (or terminal), If the client terminal is further provided with exchange office information corresponding to the exchange request, Characterized in that for transmitting the exchange information and the client information and / or the client owned account (or card) information and / or the wireless terminal number information to the exchange branch office server (or terminal) corresponding to the exchange request. Currency exchange system. The method of claim 38, wherein the wireless terminal, And a wireless terminal of the second client to withdraw the exchange amount provided in response to the exchange process. The method of claim 38, wherein the wireless terminal, And a currency exchange history information (and / or a currency exchange withdrawal authorization code) to the currency exchange terminal through a predetermined short-range communication. The method of claim 38, wherein the exchange terminal, In connection with the exchange processing server (or terminal), after authenticating the validity of the currency exchange history information (and / or exchange amount withdrawal authorization code), it is characterized in that withdraw the exchange amount to the client owning the wireless terminal; Currency exchange system. The method of claim 38 or 46, wherein the exchange terminal, A currency exchange system comprising at least one of a teller terminal, an ATM, a CD, a kiosk, and an automated currency exchange device provided at a financial company branch. The method of claim 38, wherein the exchange request information, Information on the currency type and exchange request amount, the account (or card) information for withdrawing the amount corresponding to the exchange request, the exchange request client information, and selection of the type of exchange preferential service to be provided at the exchange request; And exchange date information and / or currency exchange branch information corresponding to the exchange request, and account (or card) information of the second client to withdraw the exchange amount provided in response to the exchange process (or in response to the exchange request). At least one of the account information of the account to which the exchanged amount is transferred, the second client information (or the account holder information to which the exchanged amount is transferred), and the financial institution information corresponding to the account to which the exchanged amount is transferred. Currency exchange application system comprising the above. 49. The method according to any one of claims 38 to 48, wherein the currency exchange history information is Currency exchange currency type information, currency exchange amount information, the client account (or card) information, the currency exchange client information, the wireless terminal number information of the currency exchange client, the currency exchange service provided at the currency exchange request Information, the exchange date information and / or the exchange office information, and the account (or card) information of the second client to withdraw the exchange amount provided in response to the exchange process (or the amount exchanged in response to the exchange request). Account information of the account to be transferred), the second client information (or account holder information to which the exchanged amount is transferred), the second client radio terminal number information, and the account to which the exchanged amount is transferred A currency exchange application system comprising at least one financial institution information. 49. The method according to any one of claims 38 to 48, wherein the exchange amount withdrawal approval code, Consisting of numbers and / or letters, and / or Consist of a specific code including a barcode, and / or Made of specific images, and / or Currency exchange system, characterized in that made of a specific sound. A client terminal providing predetermined exchange request information to a server (or terminal); And In the currency exchange processing system, characterized in that it comprises a currency exchange processing server (or terminal) that performs a predetermined currency exchange processing in response to the exchange request, The currency exchange server (or terminal), A wireless terminal number confirming unit for receiving predetermined wireless terminal number information from the client terminal and / or extracting wireless terminal number information of the client in association with a database storing predetermined member information; By using the wireless terminal number information confirmed through the wireless terminal number confirming unit, the currency exchange processing history information (and / or the predetermined exchange money withdrawal authorization code corresponding to the currency exchange processing) Characterized in that it further comprises; information transmission unit for transmitting; The wireless terminal, Transmitting the exchange processing history information (and / or the exchange amount withdrawal authorization code) transmitted from the exchange processing server (or the terminal) to the wireless terminal of the second client to withdraw the exchange amount provided in correspondence with the exchange process; Currency exchange processing system characterized in that. The wireless terminal of claim 51, wherein the wireless terminal of the second client comprises: The exchange processing history information (and / or the exchange amount withdrawal authorization code) transmitted by the client wireless terminal is stored in a predetermined memory, and when the exchange amount corresponding to the exchange processing history is withdrawn, the exchange processing history stored in the memory. A currency exchange processing system characterized by outputting information (and / or a currency exchange withdrawal authorization code), and / or by providing a predetermined currency exchange terminal. The wireless terminal of claim 51, wherein the wireless terminal of the second client comprises: And a currency exchange history information (and / or a currency exchange withdrawal authorization code) to the currency exchange terminal through a predetermined short-range communication. The terminal of claim 53, wherein the currency exchange terminal is In connection with the exchange processing server (or terminal), after authenticating the validity of the currency exchange history information (and / or exchange amount withdrawal authorization code), it is characterized in that withdraw the exchange amount to the client owning the wireless terminal; Currency exchange system. The terminal of claim 53 or 54, wherein the currency exchange terminal, A currency exchange system comprising at least one of a teller terminal, an ATM, a CD, a kiosk, and an automated currency exchange device provided at a financial company branch. The currency exchange processing information according to any one of claims 51 to 54, Currency exchange currency type information, currency exchange amount information, the client account (or card) information, the currency exchange client information, the wireless terminal number information of the currency exchange client, the currency exchange service provided at the currency exchange request Information, the exchange date information and / or the exchange office information, and the account (or card) information of the second client to withdraw the exchange amount provided in response to the exchange process (or the amount exchanged in response to the exchange request). Account information of the account to be transferred), the second client information (or account holder information to which the exchanged amount is transferred), the second client radio terminal number information, and the account to which the exchanged amount is transferred A currency exchange application system comprising at least one financial institution information. The currency exchange withdrawal approval code according to any one of claims 51 to 54, Consisting of numbers and / or letters, and / or Consist of a specific code including a barcode, and / or Made of specific images, and / or Currency exchange system, characterized in that made of a specific sound.

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